MVBF MVB Financial Corp. Common Stock

XNAS 29.12 Delayed
Find condors

Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

MVBF $29.12 —
Key stats
$29.12
52-Week Range
$23.99 – $31.99
YTD
+14.38%
IV Rank (30D)
48.74
Straddle Price
$4.85
P/C Vol Ratio
10.00
Market Cap
$0.4B
Open
$29.39
Day Range
$28.90 – $29.45
Volume
54,010
Prev Close
$29.32
Fair Value
MODEL: LONG

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)5.15%
Beta vs SPY0.79
Cost of Equity (CAPM)9.11% (VRP-adj)
WACC8.79%
Volatility Risk Premium+65.6pp (IV − HV30)
Effective Tax Rate26.3%
Rev. Growth (YoY, DCF input)+5.3%
DCF Horizon10 years explicit + fade
Forward Tilt (NTM/TTM)×1.05 (applied to P/E, EV/EBITDA, P/S)
Free Cash Flow (TTM)$-0.0B
Return on Equity (TTM)11.3%
Book / Price87.7% — banking bias active (P/B is primary)
Bank Quality Adj×1.04 (target ROE vs peer median)
Gross Margin (TTM)71.6%
FCF Margin (TTM)-15.7%
Debt / Equity0.10
Quality Score2/6 — normal (10y DCF)
SMA 50$30.15 (Market Anchor value)
SMA 20 / Bollinger Mid$29.46
Bollinger Width / SMA2019.5% (drives anchor stability)
Net Debt$0.0B
Market Cap$0B
Peers used for multiples: CCBG, CTO, FISI, IBCP, ORRF, SHBI, WASH (filtered from 8 ETF-co-members; sector bias active)
60-Day Conviction
67%
20-Day Fair Value
≈ by Nov 20, 2026
$29.14
α +0.1% rank 27%
conviction
6%
40-Day Fair Value
≈ by Dec 21, 2026
$29.63
α +1.7% rank 37%
conviction
55%
60-Day Fair Value
≈ by Jan 19, 2027
$29.73
α +2.1% rank 33%
conviction
67%
MethodImplied PriceWeightDetail
DCF n/a 0%
DDM (Gordon) $17.38 29%
Peer P/E $27.71 11% median 11.6× · 7 peers
Peer EV/EBITDA n/a 0% median 10.5× · 7 peers
Peer P/B $33.47 16% median 1.3× · 7 peers
Peer P/S $45.78 5% median 2.3× · 7 peers
Market Anchor (SMA50) $30.15 38% stability 52% (BB-width)
Options Expected (B-L 30d) $28.76 0% 8 strikes · skew -0.41
As of 2026-10-22 · updated
About
Industry (SIC)
STATE COMMERCIAL BANKS (6022) · industry map
Exchange
XNAS
Market Cap
$0.4B
Employees
403
List Date
2003-09-09
CIK
0001277902
Next Earnings
2026-10-29 (After-Close)
EPS Forecast
$0.43 (2 est.)
Headquarters
Fairmont, WV
Homepage
https://www.mvbbanking.com

MVB Financial Corp is a financial holding company. The company provides a wide range of business activities through the Bank, commercial and retail banking services, as well as Fintech banking. It has three reportable segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. The majority of its revenue is generated from the CoRe Banking segment, which includes its Fintech division, represents banking products and services offered to customers by the Bank, loans and deposits accounts. Revenue from banking activities consists of interest earned on loans and investment securities a…

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan1.72%-5.81%2.03%-4.16%-2.79%10.92%0.32%
Feb45.41%-4.91%20.38%-2.28%-4.44%-8.16%7.67%
Mar2.83%9.53%-22.73%5.73%-5.61%-7.45%-2.95%
Apr19.81%-6.18%-10.28%-18.69%-1.10%4.02%-2.07%
May3.88%-8.73%-0.62%1.85%11.84%4.17%2.06%
Jun0.09%-14.79%16.98%0.54%17.28%10.39%5.08%
Jul-3.36%1.06%19.13%24.90%-2.02%2.66%7.06%
Aug-1.96%-0.81%-9.46%-4.81%9.76%-1.75%-1.51%
Sep9.74%-12.87%-4.81%-5.14%4.42%-3.93%-2.10%
Oct1.07%-11.25%-10.68%0.26%0.51%-2.25%*-3.72%
Nov-5.46%-4.82%0.25%12.98%4.12%--1.41%
Dec0.34%-6.89%4.93%-4.12%-4.83%---2.11%
Total88.87%-50.83%-4.51%0.99%27.22%6.82%11.43%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $29.46
SMA 50: $30.15
SMA 200: $27.97
Current: $29.12
EMA 12: $29.29
EMA 26: $29.60
MACD: -0.3082 | Signal: -0.0041
BEARISH
ADX (14): 25.02
TREND
+DI: 16.19
−DI: 24.76

Momentum Oscillators

RSI (14): 43.10
NEUTRAL
Stoch %K: 37.52
Stoch %D: 37.37
Williams %R: -64.99

Volume & Volatility

BB Upper: $30.30
BB Lower: $28.61
NEUTRAL
OBV: 2,145,525
Vol SMA 20: 57,243
Vol ROC: -13.70%
ATR: $0.75
True Range: $0.55
HV 20: 19.6%
HV 30: 20.3%
HV 60: 19.9%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-23T00:00:00 – 2026-10-21T00:00:00
AI Analysis

LLM Stock Analysis Report: MVBF

Executive Summary

Overall Assessment: NEUTRAL (Confidence Level: 6/10)

Key Drivers:

  • Recent earnings reports have been generally positive, with a Q4 beat in February.
  • MVB Financial's beta is low compared to the S&P 500, indicating lower volatility.

Primary Risks:

  • Earnings miss or guidance revision could trigger a sell-off.
  • Regulatory changes affecting the banking industry could impact MVBF's stock price.

Investment Thesis: MVBF's recent earnings beats and stable financials suggest a potential uptrend. However, with a low beta, the stock may not respond as strongly to market movements.

Recent News Sentiment Impact: NEUTRAL (Average sentiment from recent news headlines)

Technical Analysis

Trend Direction: Range-bound in the short-term (1-4 weeks), Medium-term (1-3 months) and Long-term (3-12 months).

Support/Resistance Levels:

  • Upper Bollinger Band: $31.04
  • Lower Bollinger Band: $29.76

Momentum Signals:

  • RSI: 55.40 (neutral)
  • MACD: Bullish crossover above signal line
  • Bollinger Bands: Neutral signal with price near the middle band

News & Sentiment Analysis

Recent Headlines Summary:

The recent news headlines have been neutral, with no significant market-moving events reported.

Sentiment Assessment: Neutral sentiment from recent news headlines.

Catalyst Identification:

No imminent catalysts are apparent. However, investors should monitor earnings reports and regulatory developments in the banking industry.

Market Narrative: The technical signals suggest a range-bound market, which aligns with the neutral news sentiment.

Risk & Volatility Assessment

Risk Interpretation: Low volatility - stock moves less than market (beta 0.37).

Volatility Regime: Historical volatility is relatively low compared to the current IV premium.

Options Market Signals:

  • IV Rank: 24.9% (Low)
  • Current IV: 69.4%
  • Expected Move: $2.38

Market Context & Positioning

Sector Performance: MVBF's sector, finance, has performed relatively well recently.

Institutional Activity: Institutional volume patterns suggest moderate interest in the stock.

Correlation Analysis: The stock's correlation with the S&P 500 is low (0.18), indicating a relatively independent movement.

Key Levels & Action Items

Critical Price Levels:

  • Support: $29.76
  • Resistance: $31.04

Breakout/Breakdown Levels: No significant technical levels are apparent for a breakout or breakdown.

Time-Sensitive Catalysts:

No imminent catalysts are apparent.

Risk Management: Monitor earnings reports and regulatory developments in the banking industry. Set stop-loss levels at around $29.50 to manage risk.

This comprehensive analysis provides an objective assessment of MVBF's stock, highlighting both bullish and bearish cases. The technical signals suggest a range-bound market, which aligns with the neutral news sentiment. However, investors should monitor earnings reports and regulatory developments in the banking industry, as these events could impact the stock price.

Generated
News
All MVBF news →
Earnings History
13 of 13 under expected move
Avg Expected Move
14.96%
Avg Actual Move
3.09%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2023-07-27 After-Close 8.75% 3.05% 0.35x Within
2023-10-26 After-Close 10.91% 2.63% 0.24x Within
2024-02-14 After-Close 11.85% 7.39% 0.62x Within
2024-04-29 After-Close 10.93% 6.94% 0.63x Within
2024-07-29 After-Close 9.96% 0.34% 0.03x Within
2024-10-30 After-Close 24.38% 7.41% 0.30x Within
2025-02-13 Pre-Market 17.29% 0.25% 0.01x Within
2025-04-30 After-Close 19.64% 2.52% 0.13x Within
2025-07-28 Pre-Market 21.38% 1.19% 0.06x Within
2025-10-29 After-Close 15.72% 0.19% 0.01x Within
2026-02-12 After-Close 9.75% 1.68% 0.17x Within
2026-04-29 Pre-Market 18.17% 2.79% 0.15x Within
2026-07-28 After-Close 15.78% 3.76% 0.24x Within

Earnings calendar: this week’s reports with expected vs actual moves →

MVBF Options Activity & IV Rank

MVBF IV rank history, 52-week IV rank and IV percentile →

Volatility Metrics

Current IV: 48.6%
7-DTE IV: —
Expected Move: $4.85
7-DTE Move: $4.85
Days to Exp: 30 (2026-11-20)

Options Flow

Call Volume: 1
Put Volume: 10
P/C Volume: 10.0
BEARISH
Call OI: 3
Put OI: 60
P/C OI: 20.0
Total OI: 63

ATM Options Pricing

ATM Call: $2.45
ATM Put: $2.40
Call %: 8.4%
Put %: 8.2%

Chain Summary

Chain Volume: 34
Chain OI: 98
Last Updated: 10/21/2026
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Dealer Positioning
TYPICAL γ

Not enough history yet to rank today's net dealer gamma against this name's own record.

Gamma percentile
—
vs own history
GEX tilt
+0.37
OI-weighted, today
Vanna tilt
-0.45
δ-sensitivity to IV
Charm tilt
-0.99
δ-decay vs time
Vanna tilt -0.45: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably if implied volatility changed.
Charm tilt -0.99: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.

Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.

Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.

Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.

This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.

· 3 ATM contracts, 0k total OI
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
as of Oct 21 · No data
30 DTE / 10d —
— pts EXTREME
as of Oct 21 · ATM 57.1% / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)48.7MediumOct 21
Straddle Price (30 DTE)$4.85Oct 21
Beta Analysis

Risk Metrics

Beta: 0.3436
Alpha: 11.64%
Correlation: 0.1663
R-Squared: 2.8%
Stock Volatility: 26.2%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own MVBF
1 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Citadel Hedge fund
Ken Griffin
$2.3M
0.00%
#2791 of 6285+1.9%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

MVBF Institutional Ownership (13F)

Latest filings — 2026-09-30
Diluted shares outstanding: 13,107,222 (as of 2026-03-31)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

110 filers8,164,120 shares$234.60M value62.29% of float
# Filer Shares Value % of Total % of Float Period
1 Wellington Management Group LLP Custodian 1,763,416 $51.16M 21.81% 13.45% 2026-06-30
2 BlackRock, Inc. Custodian 1,039,372 $30.15M 12.85% 7.93% 2026-06-30
3 Vanguard Group Inc Custodian 634,414 $16.39M 6.98% 4.84% 2025-12-31
4 Dimensional Fund Advisors LP Custodian 533,007 $15.46M 6.59% 4.07% 2026-06-30
5 Vanguard Capital Management LLC 517,571 $15.01M 6.40% 3.95% 2026-06-30
6 Geode Capital Management, LLC Custodian 311,400 $9.04M 3.85% 2.38% 2026-06-30
7 Ameriprise Financial, Inc. Custodian 276,860 $8.03M 3.42% 2.11% 2026-06-30
8 BASSWOOD CAPITAL MANAGEMENT, L.L.C. 257,731 $7.48M 3.19% 1.97% 2026-06-30
9 State Street Corp 243,885 $7.08M 3.02% 1.86% 2026-06-30
10 ENDEAVOUR CAPITAL ADVISORS INC 182,719 $5.30M 2.26% 1.39% 2026-06-30
11 KENNEDY CAPITAL MANAGEMENT LLC 122,447 $3.55M 1.51% 0.93% 2026-06-30
12 BANC FUNDS CO LLC 116,010 $3.37M 1.43% 0.89% 2026-06-30
13 Diamond Hill Capital Management, LLC (Investment Advisor) 112,129 $3.25M 1.39% 0.86% 2026-06-30
14 ACADIAN ASSET MANAGEMENT LLC 100,404 $2.91M 1.24% 0.77% 2026-06-30
15 BRIDGEWAY CAPITAL MANAGEMENT, LLC 98,345 $2.85M 1.22% 0.75% 2026-06-30
16 Northern Trust Corp Custodian 92,992 $2.70M 1.15% 0.71% 2026-06-30
17 Pure Financial Advisors, LLC 84,824 $2.46M 1.05% 0.65% 2026-06-30
18 Vanguard Portfolio Management LLC 79,559 $2.31M 0.98% 0.61% 2026-06-30
19 Vanguard Fiduciary Trust Co 78,124 $2.27M 0.97% 0.60% 2026-06-30
20 Citadel Advisors LLC Custodian 77,679 $2.25M 0.96% 0.59% 2026-06-30
21 Kestra Advisory Services, LLC 75,000 $2.18M 0.93% 0.57% 2026-06-30
22 American Century Companies, Inc. 61,656 $1.79M 0.76% 0.47% 2026-06-30
23 Bank of New York Mellon Corp Custodian 61,345 $1.78M 0.76% 0.47% 2026-06-30
24 HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC 59,770 $1.73M 0.74% 0.46% 2026-06-30
25 Morgan Stanley Custodian 56,957 $1.65M 0.70% 0.43% 2026-06-30
# Filer Notional Value % of Total Period
# Filer Notional Value % of Total Period

MVBF Insider Trading (Form 4)

Latest: 2026-07-28
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-07-28 Michael Robert Sumbs Chief Financial Officer Mixed +355 $29.10 -$4.1K EDGAR
2026-07-02 Kelly R Nelson Director Grant (A) +2,652 RSU — EDGAR
2026-07-02 Adam Francis Famularo Director Grant (A) +2,652 RSU — EDGAR
2026-07-02 Jan Lynn Owen Director Grant (A) +2,652 RSU — EDGAR
2026-07-02 John W Ebert Director Grant (A) +2,652 RSU — EDGAR
2026-07-02 Richard James Cordella JR Director Grant (A) +2,652 RSU — EDGAR
2026-07-02 Cheryl Spielman Director Grant (A) +2,652 RSU — EDGAR
2026-07-02 Victor Ray Maculaitis Director Grant (A) +2,652 RSU — EDGAR
2026-06-25 Richard James Cordella JR Director Exer (M) +3,791 — EDGAR
2026-06-15 Adam Francis Famularo Director Buy (P) +1,835 — EDGAR
2026-06-08 Larry F Mazza President & CEO Grant (A) +18,081 RSU — EDGAR
2026-06-03 Cheryl Spielman Director Exer (M) +4,001 — EDGAR
2026-06-03 Jan Lynn Owen Director Exer (M) +4,001 — EDGAR
2026-06-03 Victor Ray Maculaitis Director Exer (M) +4,001 — EDGAR
2026-06-03 Kelly R Nelson Director Exer (M) +4,001 — EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

MVBF Insider Holdings

15 insiders · @ $29.12
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Larry F Mazza President & CEO 738,716 $21.51M -$121.8K 31 2026-06-08
2 John W Ebert Director 123,654 $3.60M $0 15 2026-07-02
3 Kelly R Nelson Director 98,786 $2.88M -$45.0K 19 2026-07-02
4 Donald T Robinson President and CFO 67,580 $1.97M -$732.3K 33 2025-05-05
5 W Marston Becker Director 64,202 $1.87M $237.8K 8 2025-06-03
6 Cheryl Spielman Director 33,674 $980.6K $94.7K 19 2026-07-02
7 Craig Bradley Greathouse Chief Administrative Officer 30,107 $876.7K -$22.5K 12 2026-05-05
8 Jan Lynn Owen Director 13,831 $402.8K $25.0K 8 2026-07-02
9 Michael Louis Giorgio CIO and COO 9,973 $290.4K $147.2K 6 2026-05-05
10 Joseph Ryan Rodriguez Chief Risk and Legal Officer 9,835 $286.4K $117.4K 9 2026-05-05
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

MVBF Board & Officers

As of SEC filings through Jul 28, 2026

Directors 9

Officers 6

Changes in the last 10 years (39)
Feb 26, 2026The company announced the departure of Glen William Herrick from the board in an SEC filing
Feb 17, 2026Adam Francis Famularo became a director
Feb 2, 2026Larry F Mazza listed as President & CEO (previously CEO) in SEC filings
Jan 6, 2026Joseph Ryan Rodriguez listed as Chief Risk and Legal Officer (previously Chief Risk Officer) in SEC filings
Jul 14, 2025Michael Robert Sumbs became Chief Financial Officer
Jul 14, 2025Jonathan Thomas Logan became Chief Accounting Officer
Jul 10, 2025The company announced the departure of Donald T Robinson as President and CFO in an SEC filing
Jun 4, 2025Richard James Cordella JR became a director
Feb 27, 2025Victor Ray Maculaitis became a director
Jan 23, 2025Glen William Herrick became a director
Nov 12, 2024Joseph Ryan Rodriguez became Chief Risk Officer
Jun 4, 2024The company announced the departure of John Charles Marion as Chief Risk Officer in an SEC filing
Jul 31, 2023Michael Louis Giorgio became Chief Information Officer
May 24, 2023John Charles Marion listed as Chief Risk Officer (previously Chief Operating Officer) in SEC filings
May 24, 2023Donald T Robinson listed as President and CFO (previously President) in SEC filings
May 24, 2023Craig Bradley Greathouse listed as Chief Administrative Officer (previously Chief People & Culture Officer) in SEC filings
May 3, 2023Craig Bradley Greathouse listed as Chief People & Culture Officer (previously Chief Administrative Officer) in SEC filings
Oct 18, 2022Jan Lynn Owen became a director
Aug 25, 2022The company announced the departure of David B Alvarez from the board in an SEC filing
May 17, 2022Lindsay Anne Slader became a director
Not reported recently (10)
  • Gary A LeDonne · Last reported as a director in an SEC filing dated Jun 4, 2024
  • Daniel W Holt · Last reported as a director in an SEC filing dated Jun 4, 2024
  • Lindsay Anne Slader · Last reported as a director in an SEC filing dated Jun 4, 2024
  • J Christopher Pallotta · Last reported as a director in an SEC filing dated Dec 1, 2021
  • Anna Jane Sainsbury · Last reported as a director in an SEC filing dated Sep 14, 2021
  • John T Schirripa · Last reported as EVP Chief Commercial Lndg Ofcr in an SEC filing dated Aug 9, 2021
  • James J Cava Jr · Last reported as a director in an SEC filing dated Nov 6, 2020
  • Stephen R Brooks · Last reported as a director in an SEC filing dated Jun 21, 2018
  • Nitesh Patel · Last reported as a director in an SEC filing dated Feb 8, 2017
  • Gayle C Manchin · Last reported as a director in an SEC filing dated Feb 8, 2017
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
ETF Holders
42 ETFs hold MVBF
25 shown · $49.92M total exposure · 0.01% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $10.8M — 2026-09-30
2 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.01% $9.4M $75.1B 2026-10-20
3 DFSV Dimensional US Small Cap Value ETF Dimensional 0.02% $4.1M — 2026-10-20
4 VXF Vanguard Extended Market ETF Vanguard 0.00% $3.9M — 2026-09-30
5 DFAT Dimensional US Targeted Value ETF Dimensional 0.01% $3.4M — 2026-10-20
6 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.02% $3.4M $13.7B 2026-10-20
7 DFAS Dimensional US Small Cap ETF Dimensional 0.01% $2.6M — 2026-10-20
8 VTWO Vanguard Russell 2000 ETF Vanguard 0.01% $2.0M — 2026-09-30
9 FDM First Trust Dow Jones Select MicroCap Index Fund First Trust 0.57% $1.5M $264.8M 2026-10-20
10 DFMC Dimensional US Micro Cap ETF Dimensional 0.02% $1.3M — 2026-10-20
11 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $1.3M — 2026-10-20
12 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.05% $1.2M — 2026-06-30
13 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.09% $1.1M $1.2B 2026-10-20
14 AVUV Avantis U.S. Small Cap Value ETF Avantis 0.00% $900,395 $31.4B 2026-10-20
15 AVSC Avantis U.S. Small Cap Equity ETF Avantis 0.02% $652,862 $3.1B 2026-10-20
16 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.00% $482,484 — 2026-10-20
17 VTWV Vanguard Russell 2000 Value ETF Vanguard 0.02% $314,981 — 2026-09-30
18 DES WisdomTree U.S. SmallCap Dividend Fund Nport 0.01% $281,455 — 2026-06-30
19 DXUV Dimensional US Vector Equity ETF Dimensional 0.00% $250,846 — 2026-10-20
20 PRFZ Invesco RAFI US 1500 Small-Mid ETF Nport 0.01% $194,321 — 2026-07-31
21 DGRS WisdomTree U.S. SmallCap Quality Dividend Growth Fund Nport 0.05% $187,521 — 2026-06-30
22 IWV iShares Russell 3000 ETF iShares (BlackRock) 0.00% $169,557 $20.6B 2026-10-20
23 RSSL Global X Russell 2000 ETF Global X 0.01% $165,838 — 2026-10-21
24 ROSC Hartford Multifactor Small Cap ETF Nport 0.25% $155,365 — 2026-07-31
25 QABA First Trust NASDAQ® ABA Community Bank Index Fund First Trust 0.16% $138,326 $85.0M 2026-10-20
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
13.30
TTM Diluted EPS
$2.19
TTM Revenue
$238.34M
TTM Net Income
$28.55M
TTM Op. Cash Flow
$-33.41M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q1 '262026-03-31$52.98M$5.18M$0.39$-23.31M
Q4 '252025-12-31$56.19M$4.22M$0.33$-14.97M
Q3 '252025-09-30$78.83M$17.14M$1.32$-2.56M
Q2 '252025-06-30$50.33M$2.00M$0.15$7.44M
Q1 '252025-03-31$50.24M$3.58M$0.27$14.13M
Q4 '242024-12-31$64.34M$9.44M$0.72$-10.55M
Q3 '242024-09-30$53.28M$2.08M$0.16$8.64M
Q2 '242024-06-30$53.27M$4.09M$0.31$26.89M
Q1 '242024-03-31$57.86M$4.48M$0.34$-25.26M
Q4 '232023-12-31$54.14M$7.91M$0.61$17.54M
Q3 '232023-09-30$54.12M$3.87M$0.29$10.08M
Q2 '232023-06-30$53.45M$8.11M$0.63$35.38M
Q1 2026 • period ending 2026-03-31 • filed 2026-05-06
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
13.30
P/B
1.14
P/S
1.60
EV/EBITDA
10.49
EV/Sales
1.71
ROE
8.5%
ROA
0.9%
Div Yield
2.27%
FCF Yield
-8.75%
Debt/Equity
0.10
Current Ratio
—
Market Cap
$381.68M
as of 2026-10-21
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
283.06K
SI % of Float
2.44%
Days to Cover
6.33
Short Vol Ratio
68.5%
Free Float
11.60M
Float %
89.4%
Short interest 2026-09-30 • Short volume 2026-10-21 • Float 2026-08-14